Payday loans in North Dakota: what the law allows
Yes. North Dakota allows payday loans up to $500, with a fee limit of 20% of the amount paid to the customer (plus database registration fee). North Dakota doesn't allow car title loans at typical title loan costs.
North Dakota
Payday loans
Allowed
Car title loans
Not allowed
- Largest loan
- $500
- Fee limit
- 20% of the amount paid to the customer (plus database registration fee)
“What is the maximum amount for a payday loan in North Dakota? NDCC 13-08-12 (4) states the maximum aggregate amount of outstanding obligations that can be held by one individual is $600, of which $500 would be the actual loan proceeds. This means that a licensee will not be authorized to provide any additional payday loans to a person who already owes $600 in payday loan obligations. Copy Link What is the maximum fee for a payday loan in North Dakota? NDCC 13-08-12 (2) states that a licensee's fee cannot exceed 20% of the amount paid to the customer by the licensee.”
North Dakota Department of Financial InstitutionsLook up a lender's license
Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.
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Common questions
Are payday loans legal in North Dakota?
Yes. North Dakota allows payday loans up to $500, with a fee limit of 20% of the amount paid to the customer (plus database registration fee).
Are car title loans legal in North Dakota?
North Dakota doesn't allow car title loans at typical title loan costs.
How do I check a lender's license in North Dakota?
Look the lender up with North Dakota Department of Financial Institutions, which licenses lenders in North Dakota.
Do these rules protect service members?
Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.
Information, not legal advice. Laws change; confirm with the state regulator.